Mass Affluent Portfolio Review Framework
Analyze mass affluent portfolios and deliver client-ready performance reviews
What You Can Do
This skill guides you through conducting comprehensive quarterly or annual portfolio reviews tailored to mass affluent clients. You'll analyze multi-account structures, benchmark performance against relevant indices, assess risk alignment with client objectives, and surface tax optimization and rebalancing opportunities. The framework transforms raw portfolio data into clear, jargon-free client narratives that demonstrate expertise while identifying cross-sell and service opportunities—all within realistic time constraints for managing larger client bases.
Features
Compare returns across accounts, time periods, and benchmarks with attribution breakdown
Evaluate asset allocation against client risk tolerance and investment objectives
Identify tax-loss harvesting, rebalancing, and location-specific strategy recommendations
Analyze taxable, retirement, and spouse accounts as an integrated household strategy
Generate audit-trail narratives supporting investment decisions and client communication
Format findings into accessible executive summary, detailed analysis, and action items
Surface specific adjustments with rationale and implementation timing
Flag planning gaps (insurance, estate, lending, advisory services) during review process
Example Output
Portfolio Performance Summary Client holdings returned 7.2% YTD vs. 6.8% benchmark, driven by overweight equity allocation (+45 bps contribution). Year-to-date tax-loss harvesting captured $8,400 in losses; recommend reallocating $50K from underperforming emerging markets fund into similar-exposure low-cost alternative.
Risk Assessment Current 65/35 equity/fixed-income split remains aligned with moderate risk profile. However, concentrated position in employer stock (18% of portfolio) creates single-security risk; recommend phased diversification plan over 12 months.
Actionable Next Steps
- Execute tax-loss harvest in December (estimated $12K benefit)
- Rebalance to target allocation by year-end
- Review life insurance adequacy (current gap: $500K)
- Schedule estate plan review (not updated since 2019)
What's Included
- SKILL.md instruction file with framework overview and use cases:
- Portfolio Review Template: structured sections for performance, risk, tax, and recommendations
- Client Meeting Agenda: time-boxed format for efficient 60-minute reviews
- Benchmark Comparison Checklist: selection and analysis framework for appropriate indices
- Tax Optimization Worksheet: systematic identification of harvesting, location, and rebalancing opportunities
- Presentation Format Guide: executive summary, detailed findings, and action item structure for client delivery
Who It's For
- Private bankers managing mass affluent client segments ($500K–$5M AUM)
- Wealth advisors conducting scheduled portfolio reviews with structured processes
- Investment consultants analyzing client allocations and risk positioning
- Junior financial advisors learning portfolio review standards and client communication
- Operations teams preparing compliance documentation for portfolio monitoring
Best For
- Quarterly and annual portfolio performance reviews
- Multi-account household analysis (taxable, retirement, spouse)
- Tax-loss harvesting and year-end tax planning recommendations
- Asset allocation rebalancing decisions with client rationale
- Compliance documentation and audit trail creation for client meetings
- Cross-sell opportunity identification during regular portfolio reviews
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